V&L Insurance Agency está comprometida con el crecimiento de cada agente. Ofrecemos acceso directo a override y bonos como parte de nuestro modelo de compensación, reconociendo tu esfuerzo y premiando tu desempeño. Aquí apoyamos tu desarrollo profesional y comercial con una estructura que impulsa tu éxito. Únete hoy.
En V&L Insurance Agency, creemos que el éxito de nuestros agentes es también nuestro éxito. Por eso, hemos diseñado una estructura de compensación que va más allá de la comisión básica. Aquí, no solo ganas el 100% de comisión, sino que también tienes acceso directo a OVERRIDE y BONOS, como reconocimiento a tu producción, compromiso y desempeño constante. Nuestro objetivo es premiar tu esfuerzo de forma justa, ofreciéndote verdaderas oportunidades de crecimiento comercial y profesional. No importa si estás iniciando o si ya tienes experiencia: en V&L encuentras el respaldo, las condiciones y el reconocimiento que tu trabajo merece. No te conformes con menos. Únete a V&L Insurance Agency y empieza a ganar lo que realmente vales. Contáctate hoy mismo.
| States | New | Renewals |
|---|---|---|
| DE, NV | $10.00 | $10.00 |
| CA | $14.00 | $14.00 |
| AZ, FL, IN, IL, KS, MO, OH | $20.00 | $20.00 |
| UT | $21.00 | $21.00 |
| GA, NC, TX | $25.00 | $25.00 |
| States | New | Renewals |
|---|---|---|
| GA | $17.00 | $17.00 |
| States | New | Renewals |
|---|---|---|
| AR | $18.00 | $18.00 |
| AL, AZ, DE, IN, IA, KS, MS, MO, NE, NJ, NH, OH, TN | $20.00 | $20.00 |
| MI | $21.00 | $21.00 |
| IL, NC, OK | $25.00 | $25.00 |
| FL, GA, LA, PA, SC | $30.00 | $30.00 |
| TX (Premier Plan) | $25.00 | $25.00 |
| TX (Value Plan) | $20.00 | $20.00 |
| States | New | Renewals |
|---|---|---|
| DE, NC, SC | $25.00 | $25.00 |
| FL | $30.00 | $30.00 |
| States | New | Renewals |
|---|---|---|
| FL | $28.00 | $28.00 |
| States | New | Renewals |
|---|---|---|
| CA | $15.00 | $15.00 |
| CO | $18.00 | $18.00 |
| GA, MO, VA, OH, IN | $20.00 | $20.00 |
| States / Plan | New | Renewals |
|---|---|---|
| AZ, TN | $19.00 | $19.00 |
| IL (Plans CP & CD) | $14.00 | $14.00 |
| IL (Plan Focus) | $6.00 | $6.00 |
| IL (Plan Precision) | $19.00 | $19.00 |
| SC (1 member) | $25.00 | $25.00 |
| SC (2+ members) | $56.00 | $56.00 |
| NC | $22.00 | $22.00 |
| OK (1-99 members) | $19.00 | $19.00 |
| OK (100+) | $26.50 | $26.50 |
| States | New | Renewals |
|---|---|---|
| CA | 2.50% | 2.50% |
| States | New | Renewals |
|---|---|---|
| GA, MI | 4% | 4% |
| IN | $24.00 | $24.00 |
| NC | $25.00 | $25.00 |
| OH | $21.00 | $21.00 |
| WV | $20.00 | $20.00 |
| States | New | Renewals |
|---|---|---|
| TX, LA | $25.00 | $25.00 |
| States | New | Renewals |
|---|---|---|
| AZ, CO, IL | $20.00 | $20.00 |
| GA, IN, TN | $22.00 | $22.00 |
| VA | $20.00 | $20.00 |
| MS | $24.00 | $22.00 |
| NC | $25.00 | $22.00 |
| TX | $25.00 | $25.00 |
| FL | $27.00 | $27.00 |
| States | New | Renewals |
|---|---|---|
| FL | $30.00 | $30.00 |
| States | New | Renewals |
|---|---|---|
| WI | $16.00 | $16.00 |
| UT | $19.00 | $19.00 |
| CA, OH | $20.00 | $20.00 |
| MS | $22.00 | $22.00 |
| MI | $24.00 | $24.00 |
| IL, SC, TX | $25.00 | $25.00 |
| FL | $27.00 | $27.00 |
| States | New | Renewals |
|---|---|---|
| OH, TN, VA | $18.00 | $18.00 |
| AZ, IA, KS, MI, MO, NE, NJ, OK, PA | $20.00 | $20.00 |
| FL, GA, IL, NC, TX | $25.00 | $25.00 |
| States | New | Renewals |
|---|---|---|
| KS-MI-MS-MO-NJ-OK-TN-WI | $19.00 | $17.00 |
| VA | $19.00 | $18.00 |
| CO-OH | $20.00 | $18.00 |
| AL-AZ | $20.00 | $20.00 |
| GA | $21.00 | $21.00 |
| LA-NC | $22.00 | $22.00 |
| IL | $24.00 | $24.00 |
| SC-TX | $25.00 | $25.00 |
| States | New | Renewals |
|---|---|---|
| FL, TX | $25.00 | $25.00 |
| Plan | New | Renewals |
|---|---|---|
| Blue Advantage HMO SM y Blue Advantage Plus SM / HMO Qualified Health Plans | $25.00 | $25.00 |
| MyBlue Health SM Qualified Health Plans | $20.00 | $20.00 |
Información completa de compensación de agentes para United Healthcare 2025.
| Product | First-Year | Renewal | ||
|---|---|---|---|---|
| 18-59 | 60-64 | 18-59 | 60-64 | |
| Health ProtectorGuard (all states except CO, FL, MN, VA) | 22.75% | 9.00% | 9.00% | 9.00% |
| Health ProtectorGuard (CO, FL, VA) | 19.75% | 6.00% | 6.00% | 6.00% |
| Health ProtectorGuard (MN) | 13.75% | 3.00% | 3.00% | 3.00% |
| Guard Plan and Guard Plus Plan (all states except CO, FL, MN, VA) | 18.00% | 6.00% | 6.00% | 6.00% |
| Guard Plan and Guard Plus Plan (CO, FL, VA) | 15.00% | 3.00% | 3.00% | 3.00% |
| Guard Plan and Guard Plus Plan (MN) | 9.00% | 1.25% | 1.25% | 1.25% |
| Hospital SafeGuard | 22.75% | 7.25% | 7.25% | 7.25% |
| Hospital SafeGuard GI (all states except FL, MN, VA) | 24.00% | 9.00% | 9.00% | 9.00% |
| Hospital SafeGuard GI (FL) | 19.25% | 6.50% | 6.50% | 6.50% |
| Hospital SafeGuard GI (VA) | 18.00% | 4.25% | 4.25% | 4.25% |
| Hospital SafeGuard GI (MN) | 15.00% | 1.25% | 1.25% | 1.25% |
| Hospital Guard GI (all states except MN, SD, VA) | 18.00% | 6.00% | 6.00% | 6.00% |
| Hospital Guard GI (SD, VA) | 15.00% | 3.00% | 3.00% | 3.00% |
| Hospital Guard GI (MN) | 9.00% | 1.25% | 1.25% | 1.25% |
| Product | First-Year | Renewal Yrs 2-5 | Renewal Yrs 6+ |
|---|---|---|---|
| AdvantageGuard Hospital including riders (all states except CO, MI, SC, SD) | 46.25% | 9.00% | 3.00% |
| AdvantageGuard Hospital including riders (CO, MI, SC) | 43.25% | 9.00% | 3.00% |
| AdvantageGuard Hospital including riders (SD) | 34.25% | 3.00% | 3.00% |
| Product | First-Year | Renewal | ||
|---|---|---|---|---|
| 18-64 | 65+ | 18-64 | 65+ | |
| Dental Gen including riders (all states except RI) | 30.00% | 6.00% | ||
| Dental Gen including riders (RI) | 3.00% | 3.00% | ||
| Dental Primary including riders (all states except RI) | 18.00% | 3.00% | ||
| Dental Primary including riders (RI) | 3.00% | 3.00% | ||
| Dental Premier including riders (all states except RI) | 30.00% | 3.00% | ||
| Dental Premier including riders (RI) | 3.00% | 3.00% | ||
| DentalWise Basic (all states except CO, FL, NM, NV, RI, SD, WA) | 21.00% | 36.00% | 3.00% | 6.00% |
| DentalWise Basic (CO, FL, SD, WA) | 18.00% | 30.00% | 3.00% | 4.25% |
| DentalWise Basic (NM) | 4.75% | 24.00% | 2.50% | 3.00% |
| DentalWise Basic (RI) | 3.50% | 15.00% | 2.50% | 3.00% |
| DentalWise Basic (NV) | 3.00% | 6.00% | 2.50% | 2.50% |
| Product | First-Year | Renewal | ||
|---|---|---|---|---|
| 18-64 | 65+ | 18-64 | 65+ | |
| DentalWise 1000, 2000 (all states except CO, FL, NM, NV, RI, SD, WA) | 33.00% | 36.00% | 4.75% | 6.00% |
| DentalWise 1000, 2000 (CO, FL, SD, WA) | 27.00% | 30.00% | 3.00% | 4.25% |
| DentalWise 1000, 2000 (NM) | 9.00% | 24.00% | 2.50% | 3.00% |
| DentalWise 1000, 2000 (RI) | 6.00% | 15.00% | 2.50% | 3.00% |
| DentalWise 1000, 2000 (NV) | 3.00% | 6.00% | 2.50% | 2.50% |
| DentalWise Max (all states except FL, NM, NV, SD) | 33.00% | 36.00% | 4.75% | 6.00% |
| DentalWise Max (FL, SD) | 27.00% | 30.00% | 3.00% | 4.25% |
| DentalWise Max (NM) | 9.00% | 24.00% | 2.50% | 3.00% |
| DentalWise Max (NV) | 15.00% | 6.00% | 3.00% | 2.50% |
| Product | First-Year | Renewal |
|---|---|---|
| Vision Standalone (all states except DE, FL, IN, KY, MD, NJ, OH, SC, TN, VT) | 18.00% | 6.00% |
| Vision Standalone (DE, FL, IN, KY, MD, NJ, OH, SC, TN, VT) | 15.00% | 3.00% |
| VisionWise Premier (all states except CO, MN, RI, WA) | 33.00% | 4.75% |
| VisionWise Premier (CO, MN, RI, WA) | 24.00% | 3.00% |
| Product | First-Year | Renewal |
|---|---|---|
| HealthiestYou | 30.00% | 15.00% |
| Mental Health Complete Plus | 30.00% | 15.00% |
| New Benefits | 30.00% | 15.00% |
| Product | First-Year | Renewal |
|---|---|---|
| CriticalGuard Under 25k including riders (all states except CT, MN, NM, SD) | 36.00% | 6.00% |
| CriticalGuard Under 25k including riders (MN, NM, SD) | 18.00% | 6.00% |
| CriticalGuard Under 25k including riders (CT) | 9.00% | 6.00% |
| CriticalGuard 25k Plus including riders (all states except AZ, CO, CT, FL, MN, NC, ND, NM, OH, SC, SD, UT) | 45.00% | 6.00% |
| CriticalGuard 25k Plus including riders (AZ, CO) | 42.00% | 6.00% |
| CriticalGuard 25k Plus including riders (MN, NM, SD) | 27.00% | 6.00% |
| CriticalGuard 25k Plus including riders (CT) | 15.00% | 6.00% |
| Product | First-Year | Ren Yrs 2-10 | Ren Yrs 11+ |
|---|---|---|---|
| Critical Illness (all states except CO, MD, MI, NJ, OH, SD, WA) | 36.00% | 9.00% | 3.00% |
| Critical Illness (MI, OH) | 36.00% | 6.00% | 3.00% |
| Critical Illness (CO, MD, NJ, SD, WA) | 27.00% | 3.00% | 3.00% |
| Product | First-Year | Ren Yrs 2-10 | Ren Yrs 11+ |
|---|---|---|---|
| Critical Life SafeGuard (10 year term) aka Term Life SafeGuard including riders | 60.00% | 6.00% | N/A |
| Product | First-Year | Ren Yrs 2-20 | Ren Yrs 21+ |
|---|---|---|---|
| Critical Life SafeGuard (20 year term) aka Term Life SafeGuard including riders | 60.00% | 6.00% | N/A |
| Product | First-Year | Renewal | ||
|---|---|---|---|---|
| 18-59 | 60-64 | 18-59 | 60-64 | |
| Accident SafeGuard (all states except FL, KY, OH, SC) | 24.00% | 6.00% | 6.00% | 6.00% |
| Product | First-Year | Renewal | ||
|---|---|---|---|---|
| 18-59 | 60-64 | 18-59 | 60-64 | |
| Accident ProGap, ProGuard, ExpenseGuard including riders (all states except AZ, CO, FL, IN, MD, ME, MN, OH, SC, SD, VA) | 30.00% | 30.00% | 6.00% | 6.00% |
| Accident ProGap, ProGuard, ExpenseGuard including riders (AZ, FL, IN, MD, ME, OH, SC, VA) | 24.00% | 24.00% | 6.00% | 6.00% |
| Accident ProGap, ProGuard, ExpenseGuard including riders (CO, MN, SD) | 21.00% | 21.00% | 6.00% | 6.00% |
| AccidentWise Plan 10000 (all states except MN, SD, WA) | 27.00% | 27.00% | 6.00% | 6.00% |
| AccidentWise Plan 10000 (MN, SD, WA) | 21.00% | 21.00% | 4.25% | 4.25% |
| AccidentWise Plan 15000, 20000 (all states except MN, SD, WA) | 30.00% | 30.00% | 6.00% | 6.00% |
| AccidentWise Plan 15000, 20000 (MN, SD, WA) | 24.00% | 24.00% | 4.25% | 4.25% |
| Product | First-Year | Renewal |
|---|---|---|
| Short Term Medical including riders (all states except IA, IN, KS, MI, MS, NC, NE, NH, OH, SC, TN, UT, VA) | 18.00% | N/A |
| Carrier | Product | New | Renewals |
|---|---|---|---|
| Cigna | Dental, Vision, Hearing - Heaped | 55.0% | 5.0% |
| Cigna | Level | 15.0% | 4% (1% years 11+) |
| Cigna | Flexible Choice Hospital Indemnity Senior (FL) | 55.0% | 10% (5% years 11+) |
| Cigna | Flexible Choice Hospital Indemnity Senior (Other States) | 55.0% | 8.0% |
| Product | First-Year | 65+ | 18-64 | 65+ |
|---|---|---|---|---|
| TrioMED (14959)" - LIFE Association C (14996) | 20.00% | 1.00% |
| Product | New | Renewals |
|---|---|---|
| *HeartWiseTM, *CancerWise® Plus, CancerWise®, Critical Illness Direct, Accident Disability Direct, Income Protection Direct | 40.0% | 2.0% |
| Prime DVH CO, FL, MN, SD | 30.0% | 2.0% |
| Prime DVH All Other States | 35.0% | 2.0% |
| Product | New | Renewals |
|---|---|---|
| Dental, Vision, Hearing - Heaped | 55.0% | 5.0% |
| Dental, Vision, Hearing - Level | 15.0% | 4% (1% years 11+) |
| Flexible Choice Hospital Indemnity Senior (FL) | 55.0% | 10% (5% years 11+) |
| Flexible Choice Hospital Indemnity Senior (Other States) | 55.0% | 8.0% |
| Product | New | Renewals |
|---|---|---|
| Dental | 30.0% | 2.0% |
| Vision | 30.0% | 2.0% |
| LIFE Association B (14995) | 20.00% | 1.00% |
| LIFE Association C (14996) | 20.00% | 1.00% |
| Product | First-Year | Renewal |
|---|---|---|
| Dental PPO (15550) | 20.00% | 3.00% |
| Select Dental (29304) | 20.50% | 2.25% |
| Accident Fixed-Benefit & Accident Medical Expense | 20% | 3% |
| Dental Indemnity | 13% | 3% |
| Term Life - Critical Illness | 35% | 3% |
| Cancer & Heart/Stroke | 23% | 3% |
| Fecha de efectividad | Comisión |
|---|---|
| 1/1/25 | $313 |
| 2/1/25 | $286.917 |
| 3/1/25 | $260.834 |
| 4/1/25 | $234.751 |
| 5/1/25 | $208.668 |
| 6/1/25 | $182.585 |
| 7/1/25 | $156.502 |
| 8/1/25 | $130.419 |
| 9/1/25 | $104.336 |
| 10/1/25 | $78.253 |
| 11/1/25 | $52.17 |
| 12/1/25 | $26.087 |
| Inicial | Cambio de Plan | Región |
|---|---|---|
| $626 | $313 | Nacional (incluye Florida y Texas) |
| $780 | $390 | California, Nueva Jersey |
| $705 | $353 | Connecticut, Pensilvania, Washington D.C. |
| $428 | $214 | Puerto Rico, Islas Vírgenes de EE. UU. |
| Porcentaje (%) | Cargo / Posición | Producción requerida |
|---|---|---|
| 90% | General Agent | $150k |
| 95% | Managing General Agent | $250k |
| 100% | Associate Vice President of Sales | $400k |
| 102.5% | - | $700k |
| 105% | Vice President of Sales | $1M |
| 107% | - | $1.5M |
| 110% | Executive Agency Vice President | $2M |
| 112.5% | - | $2.5M |
| 115% | Executive President | $3M |
| 117.5% | - | $3.5M |
| 120% | Chief Sales Associate | $5M |
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